How long does it take for Capitec to approve a loan?



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How long does it take for Capitec to approve a loan? After you have submitted all the documents to Capitec Bank it can take up to 5 business days for your loan to be approved. However, you may contact our Direct loans team directly during office hours.

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While the estimated timeframe serves as a guide, life sometimes throws curveballs. If you haven’t received a decision within 5 business days, don’t hesitate to reach out. A proactive approach demonstrates your engagement and can expedite the process. Here are your options:



  • Contact the Direct Loans Team: A phone call to 0860 66 77 89 during office hours connects you with friendly representatives who can provide personalized updates and address any concerns you might have.
  • Visit a Capitec Branch: Sometimes, a face-to-face conversation can work wonders. Head over to your nearest Capitec branch and chat with a knowledgeable representative. They’ll be happy to assist you and navigate you through the process.